Jason Rathman
Written by Jason Rathman

Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth knowledge of all things financial, he is a great asset to Greendayonline.

The Surge Mastercard Credit Card is designed for bad credit or low credit scores offered by Continental Finance and Celtic Bank. Because it’s an unsecured card, you don’t need to deposit in advance. However, the card’s cost-per-month fees could quickly accumulate.

Your Surge Credit Card usage and regular repayments are reported by three major credit bureaus each month, which will help you boost your credit profile with time.

A Quick Overview

  • The credit limit for the first time of $300 to $1,000
  • A one-time fee of $75 up to $99
  • Monthly maintenance fees from $0 to $10 per month, beginning after the first twelve months.
  • Monthly reports to credit bureaus.
  • 25.90%-29.99% APR variable


  • A credit-building tool that can be used by those who have weak or less-than-perfect credit
  • The possibility of a credit limit increase after maintaining a good payment history for six months
  • Credit reporting to help establish and improve credit over time


  • Annual fee of $75 to $99 needed
  • Monthly maintenance fees that add as high as $10 per month
  • Very high APR

Additional Card Details

Because the Surge Credit Card is for those with poor credit history or bad credit, the card only provides additional benefits other than monthly reporting on the three credit reports from each major bureau.

Because it’s unsecured, it doesn’t require you to make cash deposits as you would with credit cards that are secured card types, which is helpful when you are confident that you will keep up with your monthly payments but don’t have enough cash to make the deposit.

The fee schedule is the most important thing you need to know about this credit-building credit card before applying for it. You will not only be charged an annual fee ranging from $75-$99, but you could also be charged an ongoing monthly maintenance charge that begins after one year. The company assigns this charge depending on your creditworthiness. It could range from 0 or $10 per month, adding $120 to your annual sum.

Your credit limit for the first time is between $300 and $1,000, and you can request a greater minimum credit limit in just six months. Additionally, you will receive a free credit check each month when you sign up for electronic statements, which assist you in tracking your credit score over time. This card is particularly useful for those with a limited credit history looking to improve their scores.

Do you need to get the Surge card or Platinum Mastercard?

Weigh the pros and cons of each credit type before making a final decision. Remember that the Surge card is specifically designed for individuals who need a credit-building credit card.

There are many other credit types and alternatives to build credit over the Surge Credit Card — both unsecured and secured. While you can avoid the deposit requirement for a secured credit card, however, you could be charged more with time using this legitimate credit card even if you make sure you do the highest standards of credit and do not expose your balances to the credit card’s high APR.

Let’s say, for instance. You’re charged an annual fee of $99 and a maintenance fee of $10 per month. The fee begins in the next year, after which it takes two years to earn enough of a credit score to allow you to get another credit card. If you cancel this card before the time is up, the card will cost you $318 in the life of the card. Remember to keep track of minimum payments and perform Surge credit card login for regular account maintenance. Consider using credit monitoring services to track your credit utilization rate and efficiently navigate the subprime credit card market.

You’re better off putting aside this amount in advance and using it to fund a refundable security deposit for secured credit cards. In this way, you can get the money back once you’ve used your card to improve your score as long as you keep the account in good standing. To avoid late payments and a potential Late payment fee, consistently review your monthly statements.

We enjoy this credit card’s possible credit limit boost you could receive in six months. However, the application process requires that the issuer will only review your account following this period upon your request for a potential credit limit increase. Other credit-building cards, such as the Capital One Platinum Credit Card, automatically review your credit line after the same time frame. Additionally, it’s important to consider any cash advance options and be mindful of your credit utilization ratio when using your credit card.

The card can aid in building credit through prudent credit usage, improving the likelihood of receiving higher-quality loans shortly. In that regard, it is possible to use it is possible that the Surge Credit Card could make sense for those with bad or fair credit and who need an unsecured credit card, mainly if they are eligible for the less expensive annual fee and no maintenance charge per month. But it’s not your primary choice. Check out the terms you may be eligible for by looking up the prequalification options on the issuer’s site before committing to an application. You will also have to undergo an in-person credit assessment.

How to use the Surge Credit Card

To make the most of this credit card as a credit-building tool, make small purchases that you can pay off every month. If you have an outstanding balance, the high APR this card charges could quickly cause those balances to grow into long-term credit. For easier account management, make online payments and enjoy the convenience of time payments. This card also offers mobile app accessibility to manage your account and view your online statements on the go. You may also be eligible for a sign-up bonus when you apply. Additionally, using the Surge Credit Card, you can monitor your monthly credit score and track your progress. Should there be any issues, their customer service can assist you.

Make timely payments on your credit card bill in advance or in full each month. Ensure you keep your credit utilization to a minimum to get the most effect on credit scores.

Credit utilization is among the most critical factors that affect your credit score. Experts recommend keeping your utilization rate to less than 30 percent (ideally, less than 10 percent). It is worth noting that the Surge Credit Card, offered by a financial services company, comes with an initial credit limit of $300 – $1,000, which means you’ll have to be more cautious with the amount you spend to improve your credit. When your limit for credit is $500, your balance must be kept below $150 monthly.

Choose to purchase this Surge Credit Card, but be aware of potential fees such as foreign transaction fee and cash advance fee. Use it only for the time you want to increase your score. A minimum security deposit may be required depending on your credit history. To qualify for more affordable better cards.

Bottom Line

You can get approval to apply for Surge Mastercard Credit Card with poor credit. However, the charges on this card are incredibly high. It is more expensive than other credit cards that help improve credit. Utilize it to start building up good credit habits.

Before you submit your application, consider alternatives to card for people with poor credit. It could save you money in the long haul, such as upfront security deposit options and lower-cost choices like secured credit cards. These cards may also offer card at locations where you frequently shop.

Frequently Answered Questions

Can Surge Credit Card provide credit line increases?

Once Surge Credit Card has been accepted, use it responsibly for six months. You could qualify for a credit line upgrade, making it an option for persons seeking to improve their credit.

Does Surge Credit Card offer Mastercard Zero Liability Protection?

Yes, Surge Credit Card comes with Mastercard Zero Liability Protection. It provides cardholders with protection against unauthorized transactions made by others.

Is Surge Credit Card a secured credit card?

Surge Credit Card is an unsecured credit card. It doesn’t require you to make the cash you deposit as collateral, distinguishing it from some competitors within the subprime market.

How much is the annual cost of the Surge Credit Card?

Surge Credit Card charges an annual fee of $75 to $99. That can be as high as $10,000 (after one year after the account’s opening). Additionally, you could be charged monthly maintenance fees. One of the benefits of using the Surge Credit Card is the option for cash advance purchases. This responsible card can help you manage your finances better by keeping track of your expenses. Another added advantage of this card is the warranty protection feature, a must-have feature for those who value their investments. With the warranty protection provided by this responsible card, you can be confident in securing your valuable purchases, especially when paired with responsible usage of your cash advance purchases.

Jason Rathman

Jason Rathman


Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth knowledge of all things financial, he is a great asset to Greendayonline.